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Employee Benefits Survey
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Long-term disability plans: Maximum benefit amounts

Table 31. Long-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2015

(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)

Characteristics

With
maximum
benefit
amount

Maximum monthly benefit amount1

With no
maximum
benefit
amount

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

65

$3,900

$5,000

$6,000

$10,000

35

Worker characteristics

             

Management, professional, and related

66

3,900

5,000

6,000

9,000

34

    Professional and related

65

3,900

5,000

6,000

8,750

35

        Teachers

64

3,900

5,000

6,000

8,000

36

            Primary, secondary, and special education
             school teachers

61

3,900

5,000

5,250

7,500

39

Service

63

4,000

5,000

7,000

10,000

37

    Protective service

64

4,500

5,000

7,500

10,000

36

Sales and office

60

5,000

6,000

10,000

40

    Office and administrative support

61

3,000

5,000

6,000

10,000

39

Natural resources, construction, and maintenance

65

3,900

5,000

7,000

10,000

35

Production, transportation, and material moving

77

3,500

5,000

7,500

10,000

23

Full time

66

3,900

5,000

6,000

10,000

34

Part time

47

5,000

5,000

6,500

10,000

53

Union

61

$2,500

4,000

5,000

6,000

10,000

39

Nonunion

69

3,900

5,000

6,000

10,000

31

Average wage within the following categories:2

             

    Lowest 25 percent

63

3,900

5,000

6,000

8,000

37

        Lowest 10 percent

55

3,900

5,000

6,000

8,000

45

    Second 25 percent

63

3,900

5,000

7,000

10,000

37

    Third 25 percent

68

3,900

5,000

6,000

10,000

32

    Highest 25 percent

66

4,000

5,000

6,667

10,000

34

        Highest 10 percent

72

4,000

5,000

6,000

8,000

28

Establishment characteristics

             

Service-providing industries

65

3,900

5,000

6,111

10,000

35

    Education and health services

64

3,900

5,000

6,000

9,000

36

        Educational services

65

3,900

5,000

6,000

8,750

35

            Elementary and secondary schools

63

3,900

5,000

6,000

8,000

37

        Health care and social assistance

58

800

4,500

5,000

7,000

42

    Public administration

65

3,900

5,000

7,000

10,000

35

1 to 99 workers

61

3,000

3,900

5,000

5,000

6,000

39

    1 to 49 workers

70

3,000

3,900

5,000

5,000

6,000

30

    50 to 99 workers

53

5,000

5,000

47

100 workers or more

66

3,900

5,000

7,000

10,000

34

    100 to 499 workers

58

4,400

5,000

6,500

10,000

42

    500 workers or more

68

3,900

5,000

7,000

10,000

32

State government

59

5,000

7,000

10,000

41

Local government

67

3,900

5,000

6,000

9,400

33

Geographic areas

             

Northeast

82

4,000

5,000

6,500

10,000

18

    Middle Atlantic

82

5,000

7,000

10,000

18

South

85

800

3,900

6,000

9,000

15

    South Atlantic

84

800

3,900

5,000

8,000

16

Midwest

50

3,500

5,000

5,000

6,500

9,400

50

    East North Central

46

3,000

4,500

5,000

7,500

10,000

54

    West North Central

56

3,500

5,000

5,000

5,250

7,500

44

West

53

3,000

5,000

5,000

6,000

10,000

47

    Pacific

59

4,500

5,000

6,000

10,000

41

1The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit&nb sp;shown. The remaining percentiles follow the same logic.

2Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold.  The categories were formed using percentile estimates generated using wage data for March 2015.


Note: Because of rounding, sums of individual items may not equal totals. Dash indicates no workers in this category or data did not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.